A portable card reader device performs storing credit card inquiry information and freight information of a plurality of consumers that exist in a certain delivery area at a hard disk, reading information of settlement credit card for settlement by a card reader, and inputting the method of payment for the amount money for merchandise by a keyboard when the merchandise is handed to a consumer, performing credit inquiry based on stored credit card inquiry information of a plurality of consumers and the read settlement card information of the consumer at a control unit, and settling the amount money for the merchandise according to freight information when the settlement credit card is valid as a result of the credit card inquiry.